BillEase - Buy Now, Pay Later 4+

Shop on Installments PH

First Digital Finance Corporation

Designed for iPhone

    • Free

iPhone Screenshots


BillEase makes your online shopping affordable and convenient by spreading your payments into simple installment plans. Just find what you want at any of our online merchant stores, choose Pay with BillEase, and enjoy your flexible monthly payments. You can also unlock exciting features with every successful repayment!

BillEase is the best shopping finance experience in the Philippines!

Paying with BillEase is more convenient than SSS loans, consumer loans, or cash credit. Buy what you want today directly on Lazada or at any of our merchants and select to pay with BillEase. That will split your purchase in convenient installments. We’ll let you know when your payments are due ahead of time. Collateral or down payment are not needed. Borrow money for shopping quick and online.The credit approval process is super easy and super fast! Most customers who apply on our app can get an instant decision and can get credit immediately. And you don’t have to deal with the credit money. Just shop and enjoy!

BillEase is built for the digital age. Secure transactions through integration in our merchant partner’s checkout process. No credit card numbers to worry about. Always keep track of your transactions in our app.

Lazada, Kimstore, Mandaue Foam, Anson’s, Philippine Airlines, Agoda, Datablitz, and hundreds of other merchants. 0% interest at these merchants: Anker, Cole Haan, Jockey, KitchenAid, Tempur and more. Load your phone and just settle the exact amount on your next due date. No interest or fees added. GCash, Maya, and GrabPay top-ups are also available.

Easily pay 100s Billers including Globe, Smart, Meralco Maynilad, Manila Water, Easytrip RFID and even Government Contributions: SSS, Pag-Ibig and more.
Enjoy the benefits without paying upfront. We charge the lowest interest rate at only 3.49% monthly. Watch out for our 0% APR promo with selected merchants and mobile load.

You can easily pay your installments via InstaPay or PESONet, direct bank deposits,, or at over 22,000 7-Eleven, Cebuana, and MLhuillier retail outlets.

What you see is what you pay - no hidden fees. Our app lets you configure your installments and see the exact amount you will pay every month upfront. Before availing we will always generate a Disclosure Statement in compliance with the Truth in Lending Act for you to avoid surprises.

Monthly interest rate ranges from 0% to 3.49%
Annual Percentage Rate (APR) of our installment plans ranges from 0% to 41.88%
Service charges range from 0%-10% - Loan amounts range from PhP 500 - 50,000
Installment terms are flexible from 2 to 12 month

3 month Lazada Installment plan for PhP 12,000.
-We will disburse PhP 12,000 to your Lazada Wallet (no upfront deductions).
-You will need to repay in 3 monthly installments of PhP 4,539. This consists of PhP 4,000 Principal, PhP 419 Interest, PhP 120 Service Charge per installment.
-In total you will need to repay PhP 13,617 which includes PhP 12,000 Principal, PhP 1,257 Interest and PhP 360 Service Charge

We love feedback!
Email us at:

Corporate Name: First Digital Finance Corporation
Business Name: First Digital Finance Corporation
PSEC Registration Number: CS201516347

Regulated by SEC as Finance Company with
Certificate of Authority (CA): 1101

Regulated by Bangko Sentral ng Pilipinas as
Operator of Payment System (OPSCOR-2021-0007)

What’s New

Version 4.22.0

Oh, shux! Ang daming improvements! You can now Scan & Pay Later Everywhere with BillEase via QRPh! Not enough limit? Pwede ka naman mag request ng Limit Boost as you scan the QRPh code so you can shop more! Our team worked hard to give you the best Scan & Pay Later experience, billies!

Ratings and Reviews

4.4 out of 5
8.4K Ratings

8.4K Ratings

shawee c ,

Most considerate and reliable

Billease is not a loan shark. I started using this on 2023 after analysing that their loan framework is better than a bank (with tons of documentation and collateral), here u only need an ID and presto! I was hesitant at first bec i really preferred a bank loan (asnmy first car was from a bank loan) It actually helped me grow my small rice business. I computed the interest of this loan app vs my possible income and when i assessed that the income from the business is higher than its interest, i applied for loan. You do not take a
Loan for personal use like grocery or shopping or travel. U apply for loan to grow ur money The secret is to pay on time or advance because it is our responsibility to pay for our debt. Applying and getting ur loan is so smooth and fast. If u proved that u are a responsible payer, they increased your credit limit overtime. And their interest is quite much lower than other loan facilty.

This loan apps is a great help to Filipino small entrep! Salute!!

MitchCaayaman ,


If only I could rate this app a ZERO or a NEGATIVE, i would. This has been by far the most disappointing and frustrating company to deal with! They have the worst app and the worst customer service. I have paid thru their app worth 2 weeks of repayment but they only credited one. I have reached out to them thru chat, call and email and they can't be reached to resolved my issue. I even asked someone to call me, but no one did! I provided them several times of all the proof that they need- email confirmation from them, bank transaction, and a screenshot on their app that I have made my payment. But they said they will not honor the proof of payment! So what happened is that it incurred penalties because they couldn't update their system of my payment! That's why I decide to pay over the supposed amount just to have all of my loans settled and be done with them! Such a horrible experience! The payment should've reflected on their end since I paid on their app! What's worse, chat agents that I spoke to were just giving me a generic canned response. It's like they are there for the sake of having one, but not to resolve any issue or concern! This company is quick to remind you that you have a bill due but not quick to resolve issues that is clearly their fault! That is why I UNINSTALLED THE APP! I AM DONE WITH FRAUDULENT BUSINESSES SUCH AS BILLEASE!!! SO PLEASE, DO NOT DOWNLOAD THIS APP! YOU WILL REGRET IT!

Developer Response ,

We regret that you were not fully satisfied with our service and we apologize if it takes longer than usual to process/attend to concern. Please note that we take our customer's concerns seriously and we are continuously working hard to resolve all of our customers' concerns.

There might be delay in posting of payment for some payment channels but please be informed that penalties (if there is) will be adjusted and we will update your account accordingly. And upon checking, your concern has been dealt with accordingly by our Collections Team. Thank you.

RamuelAsturiano ,

I Love BillEase!

Amazing Loan App. The app has a same-day cash release upon approval via Gcash Top Up. The interest rates are reasonable and not at all greedy. Repayment is a bit tricky and difficult but ultimately can be followed by anyone who knows their phone know-hows. Terms are so easy. I pay 2 times a month for 3 months. BillEase really lives up to its name—to ease you from your bills.

I just wish they have a cash availment system that goes straight to your bank without deducting the 10% from the actual loan. Using the Gcash Top Up, you’ll get a 10% deduction straight up. For example, if you top up 5000, you will only receive 4500 in actual funds.

But even with that system in place, I was able to loan 5400 in actual funds. Total repayment comes to 6588, 22% interest. Still amazing considering this rate is common among OLAs but loan term for them is only 7-10 days while BillEase gives you 3 months to repay.

App Privacy

The developer, First Digital Finance Corporation, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Identifiers

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Location
  • Contact Info
  • User Content
  • Identifiers
  • Usage Data

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Usage Data
  • Diagnostics

Privacy practices may vary based on, for example, the features you use or your age. Learn More

You Might Also Like

JuanHand-online cash loan App
Tonik: Loans & Deposits
Home Credit Online Loan App
Digido Philippines online loan
MabilisCash—Online Easy Loan